What we offer

First time buyers

As first time buyers, there are understandably 100 questions at the start of the house buying process. Our aim is that when we finish our first chat about what your possible options are, you have no more burning questions and you have a clear plan to get your first home. What ever your goal, we will advise accordingly, whether it is stretching your income to borrow your maximum, or maximising your deposit.

To find out how much you could borrow, click here.

Home movers

As a home mover, you have so much more to consider. The great thing is, we cover it all. Can we clear some debt while we move? Can we have leave some cash spare to decorate/furnish the new home? Can we fix our rate for as long as we can in our new home? All of these points and many more, are covered with us.

Re-mortgages

If you have a property and a mortgage already, there are so many possibilities when it comes to re-mortgaging.

To list a few they include:

• New and lower rates
• Consolidating debt
• Home improvements
• Further property purchases
• Family gifting
• Shortening your mortgage term
• Lowering your monthly payments

This is just to list a few. Again, all of these, and more, are covered when you talk with us.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Buy to let

Buy-to-Lets and investment properties are a great way to increase your long term wealth and monthly income. We’ve helped all types of Buy to Let clients from the portfolio landlords with 10+ properties, to the first time landlord looking at their first Buy to Let.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

Self-employed

And so the questions mount up. Self-employed probably comes with the most, false rumours of them all. It’s ‘harder’ to get a mortgage when you’re self-employed. Or you need 3 good years of books to get a mortgage if you're self-employed. ALL WRONG! Yes, the criteria varies from a typical employed applicant, but with the right planning and right advice, it's so much easier than you might fear.

Ltd Company

If your income comes from your own Ltd company it does not have to make things tricky. In fact, if looked at in the right way it can work out a lot better than you may think. We will ask for Tax Calculations and Tax Year Overviews, but also the company accounts as different lenders will take the figures from different places. Some will use your salary + dividends, while others will take your salary + profits. This is why its important to make sure we explore all combinations to get you the best outcome.

Insurances

Insurance - such a horrible word. Often though as something you don’t need and will never use.

On the flip side, can you ever imagine something happening and you NOT having the insurance to cover your self financially? When it comes to your home, your income and essentially your FAMILY, its just not worth even thinking about not being protected. Our aim is always to get you the new home or the best rate for the re-mortgage, but as part of our duty of care, we make sure to advise you on which areas you should be covered in.

For insurance business we offer products from a choice of insurers.

Equity Release and Later Life Lending

A lifetime mortgage or Equity Release can be an attractive option for those aged 50 and looking to unlock equity tied up in their home.

We’re committed to helping you make an informed decision about your home, financial future, and money. Let’s explore the ins and outs of lifetime mortgages, including whether it’s the right choice for you.

What is the eligibility criteria?

You must be aged 50 or over, and own a home that meets the minimum requirements of a lender (typically valued at a minimum of £70,000, for example).

How much can I borrow?

The amount you can borrow is based on your age and the value of your property.

Do I have to make regular repayments?

Unless chosen otherwise, there are no monthly repayments, and interest builds up over time. The amount you owe will never exceed the property’s value.

When do I have to repay the full amount of the loan?

Typically settled when moving into long-term care or upon passing.